How many grades does flexible employment social security have?

The basic old-age insurance payment for flexible employees is divided into nine grades. The insured can choose any one of the nine grades, such as 60%, 70%, 80%, 90%, 100%, 150%, 200% and 300%, as the payment base according to the local average monthly salary of employees in the previous year.

When an enterprise pays endowment insurance for its employees, the enterprise pays 20% and the employees pay 8%, of which 8% paid by the employees belongs to individuals.

Account:

When flexible employees pay endowment insurance, they will pay 20% of the payment base, of which 8% will go into personal accounts.

12% into the local overall account.

Take City A as an example: the average monthly salary of employees in 20 17 years is 5 125.25 yuan. According to the payment ratio of 60%, the monthly payment base is 309 1.35 yuan, and then according to the payment ratio of 20%, the pension is 6 18 yuan.

According to the payment ratio of 100%, the monthly payment base is 5 125.25 yuan, and then according to the ratio of 20%, the payment will be made.

1030.45 yuan endowment insurance. In other words, if 60% of the endowment insurance is paid, the funds entering the personal account are

247.308 yuan; Pay the old-age insurance according to 100%, and the amount of funds entered into the personal account is 4 12. 18 yuan. There is only one difference between the two.

164.8727

With regard to the pension collection standards, flexible employees have different payment years, payment orders and payment bases, and the collection standards are also different.

Monthly basic pension-basic pension+personal account pension, in which:

Basic pension = the average monthly salary of employees in the whole province in the previous year when I retired, x20 %；;

Personal account pension = pension amount stored in personal account-payment months.

In the payment ratio of 60% and 100%, the difference between the money stored in their personal accounts is 164.872 yuan, so the payment period is the same.

There is still a gap in retirement pensions between the two regions.

It can be seen that it is more cost-effective for flexible employees to pay social security, depending on your own work ability and economic income, but in general, the amount of pension is calculated according to the sum of the storage amount of individual pension account and basic pension account. The more you pay, the higher the pension you receive after retirement.

What is a flexible employee?

Flexible employment refers to people who are different from the traditional mainstream employment methods in working hours, income and remuneration, workplace, insurance and welfare, labor relations and so on. For example, self-employed freelancers, self-employed private owners and temporary vendors.

Matters needing attention in social security payment:

After the new social security payment regulations, the lower and upper limits of social security payment standards are generally selected at 60%~300%. Many people say that it is most cost-effective to pay social security according to the standard of 60%. From a fair and reasonable point of view, this statement is untenable.

Because the old-age insurance follows the principle of overpayment and long-term overpayment, flexible employees choose the payment standard according to their own economic ability when paying social security. For example, if their economic income is good this year, they can choose a higher payment standard. If their income is relatively low next year, they can choose to pay 60% when paying social security, so no payment standard is the most cost-effective, only the most suitable payment standard.